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Auto Invest FLEX is another product update ahead of the launch of our secondary market later in 2026.
Auto Invest has always been a simple way to put investing on autopilot. But one question kept coming up from investors again and again: what happens if I want access to my money before the loans mature?
It is a more flexible version of Auto Invest for investors who want the convenience of automation, but do not want to feel locked in for the full term of every loan. With FLEX, investors can request to exit part or all of their active portfolio before maturity.
This did not come from an internal brainstorm or a trend report. It came from real conversations with investors. People were telling us the same thing in different ways: they liked Auto Invest, but they wanted more room to adapt. Markets change, personal plans change, and sometimes having an exit option matters.
Auto Invest FLEX is meant to close that gap. It keeps the core idea of Auto Invest intact: choose your settings, let your portfolio invest automatically, and keep things simple. But it also introduces something new: the ability to request an exit when you need more flexibility.
It also reflects something we believe matters to investors when comparing products across the market. Too often, investors are asked to choose between stronger returns and easier access to their money. With target annual returns of 10.5% to 12.5%, Auto Invest FLEX is designed to offer a competitive hands-off option, while being clear and transparent about the cost of flexibility. If an investor chooses to exit early, the fee is clearly defined as 50% of the portfolio’s annual interest rate. No hidden conditions, no unclear pricing, just a simple model investors can understand before they make a decision.
A quick side-by-side of the “set&forget” products most European P2P investors consider today.
| Platform / Product | Target interest | Early-exit mechanism | Cost to exit early | Holding period |
|---|---|---|---|---|
LendermarketAuto Invest FLEX |
10.5 – 12.5% | Platform-backed early exit | 50% of annualised portfolio interest | None |
Platform AFixed-rate easy-access |
6% (recently reduced from 6.75%) | Daily withdrawals | €1 per withdrawal (can be throttled under stress) | None |
Platform BProperty-backed fixed-rate |
7% fixed | No early exit | Not available | Until loan maturity |
Platform CLarge loan marketplace |
Variable (≈ 9 – 12%, loan dependent) | Secondary market | 0.85% sale fee + buyer discount; 0.39% p.a. on core strategy | Depends on buyer demand |
Platform DShort-term consumer auto-invest |
≈ 10 – 11% average | Secondary market (launched early 2026) | Depends on discount offered | Min. 6 months before a loan can be sold |
Platform EGroup-lender auto-invest |
9 – 12% (up to ≈ 11.8%) | Secondary market | Depends on buyer demand; 3 – 7 day settlement | Subject to buyer availability |
That does not mean it works like instant access, and we do not want to pretend otherwise. Exits are subject to process, timing, and fees, and there are clear rules behind how they work. But the key point is that investors now have an option they did not have before.
We also want to be clear about where the product stands today: Auto Invest FLEX is currently in beta. It is live, it is working, and investors can already use it, but it is not final. We are still refining the experience, improving operational flows, and learning from how it is used in practice. Some parts of the product may still change as we continue to develop it.
We are comfortable with that. In fact, we think that is the right way to build: launch something useful, be transparent about where it stands, and improve it based on real feedback.
Auto Invest FLEX is a direct response to what investors asked us for: more flexibility, without losing the simplicity of automated investing.
And this is only the start. We are looking forward to improving Auto Invest FLEX further in the months ahead.
Please note: Auto Invest FLEX is currently in beta, and product details may change. Exit requests, fees, timelines and portfolio availability are subject to the applicable Terms and conditions.
This is a marketing promotion from Lendermarket Limited.
Lendermarket Limited, trading as Lendermarket, is regulated by the Central Bank of Ireland provides services regulated under Regulation (EU) 2020/1503 (the Crowdfunding Regulation) as well as services not covered by the Crowdfunding Regulation. For more information, please read our Services Statement and the Risk Disclosure Statement.
WARNING: Investment in crowdfunding projects entails risks, including the risk of partial or entire loss of the money invested. Your investment is not covered by a deposit guarantee scheme or by an investor compensation scheme.
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